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Mortgage Lenders and Brokers in Waxhaw, North Carolina

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Waxhaw, North Carolina mortgage lenders include Truist BankTruist Bank8109 Kensington Dr, Waxhaw, NC 28173A+5.0 ★Texas Ratio: 2.87%, Fifth Third Bank, National AssociationFifth Third Bank, National Association8100 Kensington Dr, Waxhaw, NC 28173A+5.0 ★Texas Ratio: 3.22%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3210 S Providence Rd, Waxhaw, NC 28173A+5.0 ★Texas Ratio: 3.68%, First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%, State Employees' Credit UnionState Employees' Credit Union3934 S PROVIDENCE RD, WAXHAW, NC 28173A-5.0 ★Texas Ratio: 14.13%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%, Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%, Skyla Federal Credit UnionSkyla Federal Credit Union148 Charlotte St, Asheville, NC 28801 1923A5.0 ★Texas Ratio: 9.56%, and US Bank, N.A.US Bank, N.A.8334 Pineville Matthews Rd, Charlotte, NC 28226A+5.0 ★Texas Ratio: 2.85%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Waxhaw, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Waxhaw are listed first, then lenders elsewhere in North Carolina, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Waxhaw, North Carolina

Market share is the lender's share of all home loans closed in Waxhaw, North Carolina. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Truist Bank ★ 1 stars, 1 review 1 office in Waxhaw 8109 Kensington Dr, Waxhaw, NC 28173 A+5.0 ★Texas Ratio: 2.87%	Conventional, VA, Jumbo, HELOC	18 +36 HELOCs	2.5%	100%	$468,333	View
Fifth Third Bank, National Association 1 office in Waxhaw 8100 Kensington Dr, Waxhaw, NC 28173 A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo, HELOC	15 +34 HELOCs	2.1%	88.2%	$230,333	View
JPMorgan Chase Bank, NA 1 office in Waxhaw 3210 S Providence Rd, Waxhaw, NC 28173 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	15 +1 HELOCs	2.1%	88.9%	$605,000	View
First National Bank of PA 303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62%	Conventional, Jumbo, HELOC	14 +5 HELOCs	2%	87.5%	$508,571	View
State Employees' Credit Union 3934 S PROVIDENCE RD, WAXHAW, NC 28173 A-5.0 ★Texas Ratio: 14.13%	Conventional, HELOC	11 +20 HELOCs	1.6%	84.6%	$410,454	View
Wells Fargo Bank NA 5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36%	Conventional	8	1.1%	100%	$441,250	View
First Ciitizens Bank and Trust 351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	7 +26 HELOCs	1%	77.8%	$196,428	View
Bank of America NA 5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	5 +49 HELOCs	0.7%	75%	$537,000	View
Skyla Federal Credit Union 148 Charlotte St, Asheville, NC 28801 1923 A5.0 ★Texas Ratio: 9.56%	Conventional, HELOC	5 +6 HELOCs	0.7%	100%	$319,000	View
US Bank, N.A. 8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	5 +2 HELOCs	0.7%	83.3%	$641,000	View
Truliant Federal Credit Union 1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43%	Conventional, HELOC	4 +13 HELOCs	0.6%	40%	$120,000	View
Regions Bank 1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37%	Conventional, Jumbo	3	0.4%	75%	$861,666	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	2 +9 HELOCs	0.3%	100%	$590,000	View
Uwharrie Bank 800 Highway 24 27 Bypass, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 0.72%	Conventional	2	0.3%	100%	$555,000	View
TD Bank 335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	1 +3 HELOCs	0.1%	50%	$1,145,000	View
United Community Bank 732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$245,000	View
Allegacy Federal Credit Union 128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25%	HELOC	0 +8 HELOCs	0%	n/a		View
Southstate Bank, National Association ★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27%	HELOC	0 +3 HELOCs	0%	n/a		View
Carolinas Telco FCU 2821 Crisman St, Charlotte, NC 28208 A+5.0 ★Texas Ratio: 3.27%	HELOC	0 +2 HELOCs	0%	n/a		View
Civic FCU 1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00%	HELOC	0 +2 HELOCs	0%	n/a		View
Carter Bank and Trust 500 E Morehead St Ste 150, Charlotte, NC 28202 A5.0 ★Texas Ratio: 7.55%	HELOC	0 +1 HELOCs	0%	n/a		View
Coastal Federal Credit Union Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34%	HELOC	0 +1 HELOCs	0%	n/a
First Bank 105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94%	HELOC	0 +1 HELOCs	0%	n/a		View
American Security Mortgage Cor	Conventional	16	2.3%	100%	$409,375
Cardinal Financial Company, Li	Conventional, FHA	3	0.4%	100%	$418,333
Deephaven Mortgage LLC	Conventional	1	0.1%	100%	$115,000
Premier Lending Inc.	Conventional	1	0.1%	100%	$515,000
Rocket Mortgage	Conventional, FHA, VA, Jumbo	85	12%	94.6%	$357,705
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	75 +3 HELOCs	10.6%	100%	$469,266
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	66 +7 HELOCs	9.3%	88.3%	$543,939
Mutual of Omaha Mortgage	Conventional	17	2.4%	100%	$520,294
Newrez LLC	Conventional, FHA, VA	16	2.3%	80%	$456,250
Pennymac Loan Services LLC	Conventional, VA, Jumbo	13	1.8%	92.9%	$642,692
Spring Eq, LLC	Conventional, HELOC	10 +4 HELOCs	1.4%	61.1%	$106,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA	10	1.4%	100%	$300,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	10	1.4%	100%	$283,000	View
Amerisave Mortgage Company	Conventional, FHA, VA	9	1.3%	64.3%	$308,333
Atlantic Bay Mortgage Group	Conventional, VA	9	1.3%	100%	$417,222
Freedom Mortgage Corporation	Conventional, FHA	8	1.1%	81.8%	$438,750
Guild Mortgage Company	Conventional	8	1.1%	88.9%	$463,750
Fairway Independent Mort Corp	Conventional	8	1.1%	100%	$502,500
loanDepot.com LLC	Conventional, FHA, HELOC	7 +7 HELOCs	1%	100%	$380,714
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	7 +4 HELOCs	1%	87.5%	$393,571
Tri Pointe Connect, LLC	Conventional	7	1%	88.9%	$455,000
Nationstar Mortgage	Conventional	7	1%	77.8%	$155,000
Pulte Mortgage LLC	Conventional	7	1%	77.8%	$552,142
Provident Funding Associates	Conventional	6	0.8%	100%	$420,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	5 +8 HELOCs	0.7%	100%	$125,000	View
TowneBank	Conventional, HELOC	5 +1 HELOCs	0.7%	100%	$423,000
New American Funding, LLC.	Conventional, FHA, HELOC	5 +1 HELOCs	0.7%	100%	$363,000
Nbkc Bank	Conventional, VA	5	0.7%	71.4%	$635,000
CrossCountry Mortgage, LLC	Conventional, FHA	5	0.7%	100%	$417,000
Paramount Residential Mortgage	Conventional, FHA, VA	5	0.7%	100%	$463,000
Founders Federal Credit Union A+5.0 ★Texas Ratio: 3.58%	Conventional, HELOC	4 +6 HELOCs	0.6%	50%	$155,000
American Financial Resources LLC	Conventional, FHA	4	0.6%	100%	$557,500
Sage Home Loans Corporation	Conventional	4	0.6%	100%	$597,500
Union Home Mortgage Corp.	Conventional	4	0.6%	100%	$212,500
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	4	0.6%	100%	$520,000	View
American Airlines Federal Cred	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.4%	100%	$981,666
Better Mortgage Corporation	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.4%	60%	$575,000
Guaranteed Rate, Inc.	Conventional	3	0.4%	100%	$438,333
Howard Hanna Financial Services, Inc	Conventional	3	0.4%	100%	$275,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	3	0.4%	100%	$431,666	View
Filo Mortgage, LLC	Conventional, FHA	3	0.4%	100%	$355,000
General Mortgage Capital Corporation	Conventional	3	0.4%	100%	$511,666
Lennar Mortgage, LLC	Conventional, VA	3	0.4%	75%	$641,666
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	3	0.4%	75%	$155,000	View
Hometown Equity Mortgage, LLC	Conventional	3	0.4%	75%	$281,666
Mortgage Research Center	FHA, VA	3	0.4%	100%	$535,000
Zillow Home Loans, LLC	Conventional	3	0.4%	100%	$518,333
Carrington Mortgage Services LLC	Conventional, FHA	3	0.4%	50%	$258,333
Cmg Mortgage Inc	Conventional, HELOC	2 +1 HELOCs	0.3%	100%	$655,000
Guaranteed Rate Affinity, LLC	Conventional	2	0.3%	100%	$460,000
Primelending	Conventional, Jumbo	2	0.3%	100%	$690,000
Primary Residential Mortgage, INC.	Conventional	2	0.3%	66.7%	$310,000
PHH Mortgage Corporation	Conventional, FHA	2	0.3%	100%	$580,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.3%	100%	$570,000	View
Homestead Funding Corp.	Conventional	2	0.3%	100%	$470,000
Discover Bank	Conventional	2	0.3%	25%	$130,000
Royal Pacific Funding	Conventional	2	0.3%	100%	$285,000
Credit Union Mortgage Associat	Conventional	2	0.3%	100%	$490,000
Flexpoint, Inc.	Conventional, FHA	2	0.3%	100%	$195,000
ClearPath Lending	Conventional, VA	2	0.3%	66.7%	$480,000
American Federal Mortgage Corporation	Conventional	2	0.3%	100%	$295,000
Planet Home Lending, LLC	Conventional, FHA	2	0.3%	100%	$465,000
CPM Federal Credit Union	Conventional	2	0.3%	100%	$660,000
The Loan Store, Inc	Conventional	2	0.3%	100%	$505,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0.3%	100%	$595,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	2	0.3%	66.7%	$500,000	View
Champions Funding, LLC	Conventional, Jumbo	2	0.3%	66.7%	$895,000
Quorum Federal Credit Union	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$125,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$555,000	View
Arc Home LLC	Conventional	1	0.1%	50%	$125,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.1%	100%	$355,000	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$325,000	View
Originpoint, LLC	Conventional	1	0.1%	100%	$275,000
Premier Mortgage Resources, LLC	Conventional	1	0.1%	100%	$605,000
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 3.36%	Conventional	1	0.1%	100%	$285,000	View
First Bank & Trust A+5.0 ★Texas Ratio: 3.79%	Conventional	1	0.1%	100%	$265,000	View
Residential Wholesale Mortgage	FHA	1	0.1%	100%	$325,000
Fundloans Capital	Conventional	1	0.1%	100%	$425,000
Everett Financial, Inc.	Conventional	1	0.1%	100%	$435,000
Lakeview Loan Servicing, LLC	Conventional	1	0.1%	28.6%	$715,000
AAA Capital Investment, Inc	Conventional	1	0.1%	66.7%	$715,000
Acrisure Mortgage, LLC	Conventional, Jumbo	1	0.1%	100%	$885,000
ALCOVA Mortgage, LLC	Conventional	1	0.1%	100%	$395,000
Kind Lending, LLC	Conventional	1	0.1%	50%	$485,000
Langley Federal Credit Union A5.0 ★Texas Ratio: 10.20%	Conventional	1	0.1%	100%	$745,000
Dollar Bank, FSB A+5.0 ★Texas Ratio: 5.29%	Conventional, Jumbo	1	0.1%	100%	$925,000	View
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$465,000	View
American Financial Network, Inc.	Conventional, Jumbo	1	0.1%	100%	$905,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$295,000	View
Valon Mortgage A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$295,000	View
Mortgage Assurance Inc	Conventional	1	0.1%	100%	$395,000
Absolute Home Mortgage	Conventional	1	0.1%	100%	$655,000
Nation One Mortgage Corporatio	Conventional	1	0.1%	100%	$655,000
East Coast Capital Corp.	Conventional	1	0.1%	100%	$225,000
Cornerstone National Bank & Trust Company A+5.0 ★Texas Ratio: 0.20%	Conventional	1	0.1%	100%	$655,000	View
A&N Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$805,000	View
Kwik Mortgage Corporation	Conventional	1	0.1%	100%	$535,000
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$415,000
Highlands Residential Mortgage, Ltd.	Conventional	1	0.1%	100%	$725,000
Service Federal Credit Union	Conventional	1	0.1%	100%	$455,000
Corning Credit Union	Conventional	1	0.1%	100%	$545,000
Greenbox Loans	Conventional	1	0.1%	100%	$285,000
Justice Federal Credit Union	Conventional	1	0.1%	100%	$265,000
Guardian Savings Bank A+5.0 ★Texas Ratio: 1.35%	Conventional	1	0.1%	100%	$165,000	View
New Day Financial, LLC.	VA	1	0.1%	100%	$805,000
UNMB Home Loans Inc	Conventional	1	0.1%	100%	$575,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$805,000	View
Direct Mortgage Loans, LLC	FHA	1	0.1%	100%	$415,000
Together Credit Union	Conventional	1	0.1%	100%	$585,000
Integrity Home Mortgage Corporation	Conventional, Jumbo	1	0.1%	100%	$1,305,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$615,000
New Story Lending LLC	Conventional	1	0.1%	100%	$505,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	1	0.1%	50%	$885,000	View
Milend, Inc	Conventional	1	0.1%	100%	$535,000
Digital Federal Credit Union	Conventional	1	0.1%	100%	$245,000
Genway Home Mortgage, Inc.	FHA	1	0.1%	100%	$325,000
Keystone Funding, Inc	Conventional	1	0.1%	100%	$505,000
First Reliance Bank A+5.0 ★Texas Ratio: 0.55%	Conventional	1	0.1%	100%	$365,000	View
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$665,000	View
Nationwide Mortgage Bankers, Inc.	Conventional	1	0.1%	100%	$685,000
Lower, LLC	Conventional	1	0.1%	100%	$395,000
Lyons National Bank ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 4.04%	Conventional	1	0.1%	100%	$175,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.1%	100%	$785,000
21St Mortgage	Conventional	1	0.1%	50%	$85,000
Plaza Home Mortgage, Inc	VA	1	0.1%	50%	$355,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	1	0.1%	100%	$1,305,000	View
Tomo Mortgage LLC	Conventional	1	0.1%	50%	$725,000
Figure Lending LLC	HELOC	0 +8 HELOCs	0%	n/a
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +6 HELOCs	0%	n/a		View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +6 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +5 HELOCs	0%	n/a
Sharonview Federal CU	HELOC	0 +5 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
WSFS bank A+5.0 ★Texas Ratio: 3.10%	HELOC	0 +3 HELOCs	0%	n/a		View
Tower Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
First Technology Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Fed Ex Employees Credit Association	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Clearview Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Waxhaw Mortgage Rate Trends

Daily average mortgage rates for North Carolina compared with the national average, updated every evening.

30-Year Fixed NC Avg

7.431%

▲ 0.109 vs 7 days ago

15-Year Fixed NC Avg

6.986%

▲ 0.082 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Waxhaw, North Carolina

Looking for mortgage lenders near me or mortgage brokers near me in Waxhaw? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Waxhaw in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Waxhaw, NC

Use these to narrow the list above. Each category shows how many Waxhaw, NC lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 91 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 45 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 28 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 22 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 18 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 22 lenders. Loans above the conforming limit for higher priced homes Local lenders based in NC 15 lenders headquartered in North Carolina, the closest thing to a mortgage lender near you

Who Lends in Waxhaw, NC

Independent mortgage companies closed 70.4 percent of home loans in Waxhaw, North Carolina in 2025, banks 23.1 percent and credit unions 6.5 percent. American Security Mortgage Cor was the largest mortgage company, Truist Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, Truist Bank led with 18 loans.

70.4%

Mortgage companies

23.1%

Banks

6.5%

Credit unions

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

An attorney must handle the closing in North Carolina. State excise (transfer) tax of $1 per $500 of price, customarily paid by the seller, plus an additional 1 percent land transfer tax in seven northeastern counties (Camden, Chowan, Currituck, Dare, Pasquotank, Perquimans, Washington); no mortgage recording tax.

More North Carolina Mortgage Lender Pages

All North Carolina lenders 1,003 lenders Charlotte 471 lenders Raleigh 368 lenders Durham 327 lenders Greensboro 278 lenders Fayetteville 241 lenders Winston-Salem 268 lenders Cary 268 lenders Concord 235 lenders Fuquay-Varina 224 lenders Apex 197 lenders Gastonia 197 lenders Wilmington 221 lenders

Frequently Asked Questions About Mortgage Lenders in Waxhaw, NC

Who is the largest mortgage lender in Waxhaw, NC?

By home loans closed in 2025, Truist Bank was the largest mortgage lender in Waxhaw, North Carolina with 18 loans, about 2.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Waxhaw, NC have the highest approval rates?

Among lenders with meaningful volume in Waxhaw, North Carolina, Movement Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 88.3 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Waxhaw, NC mortgage lenders offer FHA, VA and USDA loans?

22 lenders closed FHA loans in Waxhaw, North Carolina in 2025, led by Movement Mortgage, LLC with 6. 18 lenders closed VA loans, led by Rocket Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Waxhaw, NC lender list?

Yes. 45 banks and 28 credit unions closed home loans in Waxhaw, North Carolina in 2025, alongside 91 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Waxhaw, NC ranked on this page?

Lenders are ranked only by the number of home loans they closed in Waxhaw, North Carolina during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Waxhaw, North Carolina for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Waxhaw. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.